Tento Financing

A partner that thinks like you

As a business owner, you face new challenges every day. We exist to help you turn those complexities into opportunities with tools like working capital, equipment financing, lines of credit and more.

Grow your business on your terms

Our suite of financial wellness products and loans meet you where you are with flexible payment terms and a straightforward application.

• Working capital can be used however you see fit – whether you’re managing cash flow, starting new projects or hiring new talent
• Equipment financing allows you to continue to grow your business with new, updated equipment proactively
• A line of credit offers flexibility for businesses looking for short-term funding or as a cushion to overcome any unexpected expenses

From restaurants, landscaping and construction all the way to fashion & retail, agriculture, and manufacturing, we support a wide range of thriving online businesses.

Our mission: give you the confidence to grow your business

It’s never been harder for business owners to succeed. We know that because we’ve been there, too. Collectively, we’ve spent decades working intimately with business owners, helping them save time and money. We reward healthy business decisions with lower APRs and savings, helping you build good credit. We’re in it for the long haul. The hope is that you’ll grow. And then outgrow us.

We hold 4.9/5 star rating on Consumer Affairs and NerdWallet named us one of the Best Small Business Loans 2024. Don’t take it from us though! Hear from our customers.

FAQ

How does Tento work?

With Tento, it’s never been easier to access capital. We want to help you solve your short and medium-term capital needs, so you can keep building a successful, thriving business in the long-term. That’s why we reward healthy businesses with savings and lower APRs. We offer both working capital and equipment financing based on the health of your business.

Is Tento right for my business?

We’re here to help businesses of all sizes and needs. When reviewing your business, our goal is to help get you the best possible offer. The best way to see what Tento can do for your business is to go through our simple application. There’s no cost to apply, no obligation to use your offer once approved and no impact to your credit score.

How does the application work?

There are no hard credit checks, lengthy paperwork, or required personal financial statements. All you have to do is connect your bank information using Plaid or provide 4 months of bank statements through our secure portal, tell us a few details about yourself and your business and you’ll receive applicable offers within hours.

How is Tento different from other financing options?

We take a holistic view of your business using your bank data, reviewing the overall health of your business and historical performance. Other factors we consider when reviewing bank data are average daily balance, total credits, total debits, competitor balances and exposure among others. When you connect your bank data, we will quickly generate your initial offer details.

How much does Tento cost?

The cost of working capital or equipment financing from Tento is based on three primary factors: industry, revenue and the health of your business. Over time, as your company grows, we can offer even better rates. The easiest way to get your exact cost of capital is to go through our seamless application —it takes just a few minutes and is commitment-free.

How do you calculate my offer?

We take a holistic view of your business using your bank data, reviewing the overall health of your business and historical performance. Other factors we consider when reviewing bank data are average daily balance, total credits, total debits, competitor balances and exposure among others. When you connect your bank data, we will quickly generate your initial offer details.

Does it cost anything to sign up?

No! It costs nothing to join Tento and there is absolutely no obligation to accept an offer. Applying takes just a few minutes. Securely connect your bank, upload your ID and enter a few personal details to find out how much capital you can access.

What types of equipment do you finance?

The short and long answer is: all kinds of equipment! We don’t limit it by industry or size.

Why do I need to connect Plaid?

A more complete picture of your business will result in better offers and more capital available for your business. Tento assesses your risk level based on secure live data connections. More complete data connections typically mean better ratings and more capital available for your business.

What are the costs and fees to use Tento?

The cost of capital – or the fee to use Tento – is shown in a number called Total Interest Percentage, which is the total amount of interest you pay as a percentage of your loan amount. For example, if you accept $10,000 in capital with 8% Total Interest Percentage, you will pay $800 in interest and your total payback amount will be $10,800. Tento is to be easy-to-use and radically transparent, so you know exactly what to expect. No surprises.

Is my credit score impacted?

No, we’re here to help you build better business credit. The goal is that by using our products, our financing will enhance your credit history with positive payment history.

How long will it take to receive my offer?

A decision on your financing request typically takes a few hours from the time you submit your application. In some instances it could take 1-2 business days.

How fast will I receive my capital?

Once approved and we receive your signed documentation, your business will typically receive funding within 1 to 2 business days. We know your business needs funding now – not later.

Is my information secure?

Yes! We take our privacy policy very seriously. To learn more about how we store your information securely, you can read our privacy policy.

Have more questions?

Email us at woo@tento.co.